Take care of the pennies and the pounds will take care of themselves’, is what our good old nans used to say.

And while that’s pretty sound advice, the older generation didn’t have to contend with the temptation of 24-hour online shopping, pints that cost £4.50, and apps that can have a takeaway at your door in 15 minutes.

If you’re hoping to curb your spending or even put away a lump sum for a rainy day, it can be difficult to know where to start – but luckily, help is on hand.

Glasgow Credit Union have helped their members save money for decades, and are experts in personal finance. And according to their finance manager, putting away just a little each month can make all the difference – and could be easier than you might think.

Tuesday

With the stress of Monday behind you, it’s now time to start thinking about the week ahead.

Escaping your desk at lunchtime might be your only time away from constant phone calls and emails, but that doesn’t mean you have to put your hand in your pocket.

Kick it old (primary) school and bring a packed lunch with you, which you can prepare the night before. Bonus points are awarded if you have last night’s leftovers – that’s saving money and the environment.

Possible saving: £5 a day.

Put down the takeaway coffee and step away from the meal deal (Image: Getty Images)

Wednesday

Hump Day has arrived and your friends want to celebrate the weekend a few days early by going out for dinner.

If you want to save a little money, without being a party pooper, take a look on deals and voucher websites for two-for-ones, set menus and offers – it’s possible to get two or even three courses for just £15 during the week when restaurants are looking to fill tables.

Stick to water to save even more and avoid a weekday hangover.

Possible saving: £20 compared to ordering a la carte.

Thursday

Did you know that six per cent of people in Glasgow usually or regularly cycle to work? 75 per cent of all journeys in the city are also less than 5km, so it makes sense to get on your bike and save a little cash.

All-day subway travel is only £2.80 but over the course of a week or even a month the cost quickly starts to add up.

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Friday

You’ve made it to the end of the working week and now it’s time to relax, switch off and enjoy a few days of freedom.

If you’re planning on going for a few drinks with colleagues, set yourself a limit for the night and stick to it – we all know how easy it is to start tapping your contactless after a few G&Ts.

If you’re trying to save, it’s also a good idea to leave while you can still get the bus, subway or train home, avoiding a £10 or £15 taxi that could scupper your budget.

Possible savings: £20 to £30

Weekly savings total: £91.50

This article was brought to you in association with Glasgow Credit Union.

Providing ethical financial services to the people of Glasgow, Glasgow Credit Union is the largest and most successful credit union in the UK with more than 44,000 members. Find out more at www.glasgowcu.com